J.F. Villareal, TX
J.F. Villareal wildfire risk explained
Out of every US place USFS scores, J.F. Villareal lands at the 87th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 34 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, J.F. Villareal's burn probability — fire likelihood with no building count factored in — sits at the 86th percentile nationally.
J.F. Villareal's building exposure, zone by zone
79.4% of J.F. Villareal's 34 buildings sit in USFS's Direct exposure zone, roughly 27 structures close enough to burnable vegetation for flame contact, not just embers — 20.6% fall in the Indirect, ember-only zone and 0% are Minimal.
J.F. Villareal against the rest of the country
J.F. Villareal scores 87th nationally and 78th within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, J.F. Villareal ranks 4,106 for wildfire risk (1 is highest) and 31,305 by building count (1 is largest). Within Texas alone, it ranks 397 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
J.F. Villareal and the insurance market
J.F. Villareal's 87th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With 79.4% of J.F. Villareal in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where J.F. Villareal's figures come from
Every one of the two percentiles behind J.F. Villareal's 4,106-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what J.F. Villareal's dominant direct exposure actually means, with real examples from across the dataset.